I got interested in REI through books and audio tapes so what if I don't have a Mentor and on the attorney do you pay them on a monthly bases or do they charge you everytime you talk to them and stuff.

When I was starting out in sales I purchased a ton of tapes (not 8 track) from Zig Ziglar and a couple of others. 

Once you have a commitment, you may have to pay for an appraisal if that company uses appraisals, or you may have to pay direct to the attorney or title company for the title examination, but no fee should be paid to the lender upfront.And the reasons for using hard money instead of conventional are many, but are specific to the deal:Not enough time to close conventionalLoan too small for conventional (your deal is too small for conventional)Property condition won't qualify for conventionalEtc, etcIf you can get conventional, don't use hard money, unless you are so red-tape averse that it's worth it to you to not deal with banks.

I thought I had heard that the red tape with evictions is tough in Canada.

Too bad there's too much red tape to let us have a little fun.

It all depends on which HML you are working with and how much red tape they will have.

For example we were selling properties for our clients in an area where the people who had laid the asphalt had filed a lis pendence advising that their was a suit with the original builder of the community that we had to "bond" around.

We know this because we had put blue tape everywhere that needed to be fixed/updated and nothing was completed. 

@Alex Smotherman,I highly recommend books written and the audio tapes of Jimmy Napier. www.jimmynapier.comThe great thing about Jimmy is he shares experiences and lessons learned from many decades of investing and developing real estate.

As the final step, yesterday we had a layer of compost put down and then surrounded the areas of the yard affected with yellow caution tape to keep people from walking on it, until it gets established.